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During recessions, when other job opportunities dry up, the ranks of the self-employed rise.


When the going gets tough, the tough go it alone.
Right now, about 12 million people are thinking about or launching a business,.
That's about 5 percent more than in 2008, and it's more than the number of people getting married this year.

It's about as difficult to succeed in your own business as it is to make a marriage work. "After five years, about 49 percent of startups that were launched during recessionary times are still surviving,"  (The success rate for businesses born in good economic times isn't much higher -- about 52 percent or 53 percent reach a five-year mark.)

Anyone who asks a banker for a business loan is likely to be pointed toward help, says Rose Oswald Poels of the Wisconsin Bankers Association. Lenders expect a reasonable business plan before handing over a check, and help constructing a plan is a main offering of entrepreneurial help centers.

Indeed, enthusiastic entrepreneurs can easily overestimate their business savvy. "Bankers want to see a business plan that's no longer than about seven pages.

Here, though, is a primer on three prevalent programs for business entrepeneurs nationwide:

1. Small Business Development Centers, or SBDCs, which operate under the auspices of the SBA, are the most prevalent entity offering help.

These centers endeavor to grow entrepreneurial efforts across the country, but each center operates somewhat uniquely.

Even though the aim is to spur startups, don't be shocked if an SBDC counselor frowns on your idea.

For instance, Carol Cornell, director of the Northern Kentucky University SBDC, says she's now seeing many laid-off workers who want to open a restaurant, store or franchise outlet.

The poor economic climate, plus the fact that many pink-slipped workers think of these business opportunities as a "default" option because they're discouraged looking for work, often bodes ill for a business launch, says Cornell.

Instead, she encourages many to scratch their entrepreneurial itch by selling their expertise -- whether it be accounting, marketing or other service -- on a freelance basis, while still devoting some time to a full-time job search.

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